both financial and non-financial services, as we continue to gear up for being “The Bank of AEC+3” along with being a Regional Digital Bank. We have established our business direction primarily by
impact on future performance, for instance, economic, financial, political, and related industrial factor, including managerial direction of an entity issuing capital market product and various business
value of capital market product by [i] considering factors which impact on future performance, for instance, economic, financial, political, and related industrial factor, including managerial direction
related industrial factor, including managerial direction of an entity issuing capital market product and various business risks and [ii] analyzing past and present performance so as to forecast future
increase in minimum wages, local SME projects and agricultural business reform, to support the low-income group. Overall, the Thai economy is on course for a steady year of growth, according to the Bank of
line with the company’s revenue. Comparing the total revenue and the total operating expenses in Q3–2019 with Q2–2019 and Q3-2018 showed that the change rate had increased in the same direction and with
changed in line with the same direction of revenue. When comparing Q2-2022 to Q2-2021, it found that the decreasing rate of operating expenses is similar to the decreasing rate of revenue. However
effective in 2019. 2.2 The decrease gross profit margin in the remaining portion resulted from the Indirect costs, most of which are fixed costs, were not decreased in the same direction of Sales. Gross
is equal to 14.3%, which changed in the same direction of revenue. The major change was due to increasing of marketing and promotion expenses such as online advertisement and media, rental expenses and